Platform for management of user data

ABSTRACT

A system, method, device, and platform for managing data. Data associated with a user received from one of a number of sources. The data is automatically confirmed as applicable to a user. The data is added to a data set associated with the user. A determination is made whether the data set is complete after adding the data to the data set. One or more tokens are created based on the data set of the user.

PRIORITY STATEMENT

This application claims priority to U.S. Provisional Patent ApplicationNo. 62/908,252 filed Sep. 30, 2019 titled Platform for Management ofUser Data, respectively, which is hereby incorporated by reference inits entirety.

BACKGROUND I. Field of the Disclosure

The illustrative embodiments relate to personal data management. Morespecifically, but not exclusively, the illustrative embodiments relateto a network, system, method, apparatus, and platform for datasegmentation, tokenization, and monetization.

II. Description of the Art

Current forms of advertisements rely heavily on traditional blindadvertising, such as radio and television. Even online targeting methodsdepend on semi-blind behavioral or demographic targeting based oncookies, website tracking, data points, and metrics. Statistics indicatethat only 8% of Internet users account for 85% of the clicks on displayadvertisements and 56% of digital advertisements are never seen by alive human being. Cookie-based targeting may be based on past userbrowsing or other online actions that may be irrelevant to the futureintent of the user. Internet advertisements may miss the mark by beingundesirable, irrelevant, or server after a purchase has beenconsummated. As a result, many advertisements are irrelevant to users.

SUMMARY OF THE DISCLOSURE

The illustrative embodiments provide a system, method, device, andplatform for for managing data. Data associated with a user receivedfrom one of a number of sources. The data is automatically confirmed asapplicable to a user. The data is added to a data set associated withthe user. A determination is made whether the data set is complete afteradding the data to the data set. One or more tokens are created based onthe data set of the user.

In another embodiment, one or more data elements associated with userdata are received from one of a number of sources. The one or more dataelements are automatically confirmed as applicable to a user. The one ormore data elements are added to a data set associated with the user. Adetermination is made whether the data set is complete after adding thedata element to the data set. One or more tokens are created based onthe data set of the user. Another embodiment provides a processor forexecuting a set of instructions and a memory storing a set ofinstructions configured to perform the method herein described.

Another embodiment provides a system for utilizing data. The systemincludes electronic devices executing a data application. The dataapplication is configured to capture the data associated with a user.The system also includes a data platform accessible by the electronicdevices executing the data application through one or more networks. Thedata platform receives data associated with the user from the electronicdevices, automatically confirms the data is applicable to the user, addsthe data to a data set associated with the user, determines whether thedata set is complete after adding the data to the data set, and createsone or more tokens based on the data set of the user.

Another embodiment provides a data platform. The data platform mayinclude a processor for executing a set of instructions and a memory forstoring the set of instructions. The set of instructions may be executedto receive one or more data elements associated with the user data fromone of a number of sources, automatically confirm the one or more dataelements is applicable to the user, add the one or more data elements toa data set associated with the user, determine whether the data set iscomplete after adding the data element to the data set, and create oneor more tokens based on the data set of the user.

In other embodiments, one or more of the following may be implemented.Instructions are received from the user specifying how the data set isutilized and the user is compensated for sharing the tokens with one ormore interested parties. Additional data elements may be requested inresponse to determining the data set is incomplete utilizing questions,surveys, and a user profile associated with the user. The one or moredata elements are authenticated as being associated with the user. Thetoken is a block chain crypto token and points to the data set forsecure access by one or more interested parties. Distinct data sets areclustered into a data pool, the data pool is cross populated withdistinct data sets, and the data pool is segmented to identifysaturation, missing, incomplete, or nonrelevant data. A determination ismade regarding the relevance of the data pool to one or more interestedparties. Payments are received from one or more interested parties toaccess the data set utilizing the token. One or more users arecompensated for granting access to their data sets. The interestedparties represent advertisers, marketers, or businesses that desireaccess to the user data in the data set.

The illustrative embodiments provide a system, method, and platform formonetizing data. A selection is received from a user to monetize dataassociated with the user. The data associated with user is compiled. Asecurity token is generated including the data. The data is monetizedutilizing the security token in accordance with the selection.

In other embodiments, the data may include digital profiles that aremonetized for data. Data validation may be performed through useropt-ins that are identified and confirmed by the user. Token basedcompensation for consumer data allows for the direct control andmonetization of their data (e.g., web data, application data, profiles,personal measurements, readings, etc.). Compensation may be performedthrough digital currencies, hard currencies, charitable contributions,and tax deductions. The earnings for a user may also be donated. Usersmay be rewarded for additional data uploads, updates, additions,amendments, surveys/questionnaire fulfillment, and so forth. The tokensmay be utilized to pay a vendor or third party for a product, service,system, or data, secure a digital asset, tracking the life of an asset,share a stake in an asset or company, participate in an initial coinoffering, receive a reward, maintaining and managing a digital asset,make a charitable contribution, or receive a tax deduction.

BRIEF DESCRIPTION OF THE DRAWINGS

Illustrated embodiments are described in detail below with reference tothe attached drawing figures, which are incorporated by referenceherein, and where:

FIG. 1 is a pictorial representation of a system for managing userinformation in accordance with an illustrative embodiment;

FIG. 2 further illustrates portions of the system of FIG. 1 inaccordance with an illustrative embodiment;

FIG. 3 is a flowchart of a process for receiving data in accordance withan illustrative embodiment;

FIG. 4 is a flowchart of a process for utilizing data in accordance withan illustrative embodiment;

FIG. 5 is a flowchart of a process for monetizing data in accordancewith an illustrative embodiment;

FIG. 6 is a flowchart of a process for data segmentation in accordancewith an illustrative embodiment;

FIG. 7 is a flowchart of a process for utilizing data in accordance withan illustrative embodiment; and

FIG. 8 depicts a computing system in accordance with an illustrativeembodiment.

DETAILED DESCRIPTION OF THE DISCLOSURE

The illustrative embodiments provide a network, system, method, platformand devices for data segmentation for improved data management. The datamanagement may include data control, data governance, and datavaluation. The illustrative embodiments provide individual consumers,entities, organizations, corporations, and data vendors a measurements,pool, segment, and value for consumer and corporate data. As a result,the data may be utilized as a measurable asset. The data value may bederived from the segmentation and identification of unique data pointswithin a larger shared data pool. The data may be captured based onequity holdings, credit card activity, and user specified parameters,actions, and preferences to be processed for the purpose of targetingadvertisements to consumers. The illustrative embodiments create arelationship between data sets regarding ownership of stock portfolios,equities, and user associated interests and the products that consumersbuy or are shopping for that are owned by the companies representedwithin their portfolios.

Data tracking and segmentation provides for improved real-time andonline advertisements, product recommendations, stock tips and shoppingrecommendations via an ad-targeting network. The advertisements may begenerated in real-time in any number of formats, such as digitaladvertisements/content, audio advertisements, video advertisements,visual advertisements, print advertisements, and so forth. Theimprovements allow advertisements to be selectively targeted based onconsumer profiles that may include real-time and historical purchasingdata and the real-time and historical stock and equity portfolios. Datafrom multiple primary sources may be leveraged towards the targetedadvertising including stock trading data, stock custody data andconsumer credit and debit card transaction data.

The advertising network data is processed, and advertisements aredelivered to users/consumers so that the user may act in their own bestinterests and purchase products, services, and commodities that are inalignment with their holdings. This technology tool provides investorswho own stock in specific companies a methodology/technology to supportthat stock ownership by receiving targeted purchase recommendations andadvertisements that allows consumers them to make informed purchasedecisions that facilitate and support the success of each stock heldwithin their own individual investor portfolio by purchasing thoseproducts/services. Alternatively, when users buy products (or services)outside the products represented in their portfolios, the user mayreceive data and advertisements from brokers to buy or switch to thestocks associated to those products.

The illustrative embodiments utilize data records from stocktransactions, equities, credit card transactions, purchase histories,receipts/invoices, user preferences, and other self-interests to performtargeted advertisements. Different data clearing houses, groups, orparties may be utilized to process and verify user and consumer data.For example, every stock transaction including the stock, shares,amount, type of transaction (e.g., limit, market, short, futurestransaction, option, etc.), and other information is received,processed, and stored.

The illustrative embodiments provide a system, method, platform, andnetwork for encrypting, securing, developing, and managing datavaluations, transactions, and utilization. The data may be accessiblefrom any number of authorized and connected devices. The illustrativeembodiments allow users/consumers, consumer groups, companies,organizations, entities, governments, and other parties worldwide todevelop data strategies and the conversion of any data into amonetizable asset (including a transactable token currency). Theillustrative embodiments further provide a platform for capturing,identifying, monetizing, converting, utilizing, and improving data.

As referenced herein, data refers to the personal or commercial data,user profiles, web profiles, search profiles, application profiles, andother information applicable to a user, consumer, entity, device,system, program, or other party. The illustrative embodiments complywith all or most applicable data privacy and administration rules, laws,and best practices. Any number of mobile devices, computers, machines,servers, arrays, or so forth may be utilized to implement theillustrative embodiments. A user may tokenize his/her data and convertall applicable data into an asset that may be controlled, valued, andmonetized in commercial transactions. The illustrative embodiments alsoprovide the user the ability to control data generation and the seamlessutilization of the data. For example, algorithmic processing maydetermine how and when online and digital data is utilized andmonetized, the price point or fair data valuation based on applicablepricing (e.g., demographic, global, location, utilization, etc.) basedon going rates, principles of supply and demand, market economics,market analysis, machine learning, exchanges, auctions, real-timebidding, artificial intelligence, and so forth. Relevant informationregarding data utilization may be acquired in real-time, based onhistorical transactions/archives, selling prices, or other applicableinformation or data that informs the value of a data sale ortransaction. The illustrative embodiments allow the end user to selectadvertisement preferences that coincide with their stocks/shares,ownerships, interests, holdings, demographics, opinions, behaviors,beliefs, social structure, purchase plans, and real-world desires.

The illustrative embodiments may receive, process, collect, and sourcedata from any number of traditional data collection methods, such asonline (e.g., websites, mobile applications, user profiles, etc.) andreal-world sources (e.g., location, retail purchases, credit cardpurchases, etc.). The illustrative embodiments are a considerableimprovement over traditional targeting, advertising, and marketingtechniques, processes, and systems. For example, traditional blindadvertisements may be transformed into a precisely targetedadvertisement based on user verified and confirmed data, sources andinformation allowing each individual user to indicate products andservice interests. Data in each user's data profile may be effectivelyutilized. Data, profiles, data sets, data pools, and other compilationsmay be tokenized to better protect, manage, and monetize the varioustypes of data.

In one embodiment, tokens may be created that track the data. The tokensmay include information or metadata regarding the data and may point toa location where the data is stored. The token may be utilized toprovide a key, identifier, pointer, indicator, or link required tosecurely access the data. As a result, the tokens may be created,communicated, bought, sold, and otherwise monetized through a blockchain system. The tokens may include a pointer that securely points tothe data being monetized whether for a single user, organization,company, or multiple users. In another embodiment, the tokens mayinclude the data that is being monetized or otherwise exchanged.

The illustrative embodiments may be utilized to perform a transactionfor the data. The data may be grouped, associated, and commoditized forany number of trades, exchanges, purchases, donations, or othertransactions. The data may be associated with a platform fortransactions involving the data and associated advertisements. Thetransaction may be performed automatically or based on user input,feedback, instructions, or commands.

One embodiment provides a blockchain based security token system thatgives consumers the ability to control, monetize, and/or donate any orall of the proceeds from the utilization, sale, or sharing of theirprofile and/or data and advertising-based revenue. The illustrativeembodiments curate or collect data in real-time from users based on anopt-in system with clear compensation and renumeration guidelines. Forexample, any number of computing or communications devices, platforms,applications, or so forth may be utilized to capture the data.

The security tokens utilized may represent any number of existing,custom/proprietary, and other tokens. In one embodiment, formatted,structured, or unstructured data may be converted into an encryptedtoken that represents, includes, or references the applicable data. Thesecurity interest in a data asset may be represented in the form of atoken. Data across numerous fields and with different utilizations maybe captured in a token (or tokenized). For example, intelligence,counterintelligence, consumer profiles, consumer/user, private, public,and other types of data may be captured and monetized. For example, theillustrative embodiments may provide a data management system thatallows an asset, such as ownership of a digital profile to be tokenizedas an asset that may be tracked, grown, and expanded through an opt insubmission from multiple sources and monetized digitally through ane-commerce platform.

The security tokens may be issued, regulated, managed, and distributedby a platform to comply with the existing regulatory framework. Theplatform may provide a data monetization process for creating andperforming transactions between buyers and sellers (e.g., similar to astock trading platform). The illustrative embodiments may apply pricingbased on a set price range, guidelines, industry-standard, or marketrate. The data in the form of a token may allow the user to directlycontrol and monetize their data in a transparent and secure blockchainplatform. Consumers may receive security tokens in several ways whenthey sign up to participate in the system/service, when and where theyopt in to include their data in the marketplace, and when corporationsand/or third parties purchase or monetized access to their data. Forexample, the data may be managed within a self-directed and mobilecomputing environment. The illustrative embodiments allow users todetermine how and when their data is shared and monetized eliminatingguesswork used by search, advertising, and marketing companies togenerate user approved and desired consumer marketing data.

In one embodiment, the asset of data is created by the opt-in submissionof a user's stock/ownership/interest profile, trading profile/account,social network profile(s), website utilization profiles, orgeneric/customized profile, and the associated data. The platform may befurther used to secure all rights to any revenue streams associated withthe data asset (e.g., any sale, sharing, or monetization of the userprofile to ⅓ party, site, or advertiser). By opting into the program,the user is providing their profile and perfecting the profile to matchtheir actual daily living and purchases of products. As a result, theillustrative embodiments put the user in full control of the use andmonetization of their data while avoiding the erroneous or inaccurateuse of information inherent in currently available advertising programsand systems. The illustrative embodiments eliminate third-partyunauthorized or on monetized use of poor user data and instead enablesan accurate and monetized data stream to be created for the user. Theuser benefits as well as third parties that are able to use the moreaccurate data. For example, assets associated with the user (e.g.,stocks, hedge funds, business entities, charitable organizations, etc.)may benefit by adding revenue, increasing in value/valuation, andotherwise benefiting the user.

The illustrative embodiments may enable the user to track utilizationand monetization of their data in a more transparent fashion. As aresult, the user may be able to see and track dividends, revenuesharing, price appreciation, or other forms of asset monetization. Forexample, a value-based reward system tracked utilizing blockchain may beimplemented. Smart contracts may be utilized with blockchain to ensureproper utilization and monetization of the data for verificationpurposes. The secured token generation process of the user data/profileprovides proof of ownership to the user and ensures contract conditionsare written into the smart contract code within the blockchainstructure. The blockchain records maintain and track the creation,issuance, management, and monetization of each token throughout thelifetime of the user's involvement and ownership of their data. In oneembodiment, a user may be rewarded with additional tokens for keepingtheir data/profile updated as well as for additional participation inactivities, such as surveys, watching a video, verifying a purchase,adding studies, product marketing, expanded data provisioning, andquestionnaires.

The user may be incentivized to provide additional data, such aspictures, audio content, videos, location (e.g., real-time, GPS, beacon,triangulation, delayed for safety, historical, etc.), Internet protocoladdress, identification of friends from each social network, sharingaccess to third-party applications, search data, views, likes, shares,comments, and so forth. As a result, the user may specify advertisementpreferences that are associated with their stocks, portfolio, assets,equities, holdings, interests, demographics, opinions, behaviors,beliefs, social structure, purchase plans, and real-world desires. Theuser data that is recorded and stored may reside permanently on theblockchain, but typically only has a three-year lifecycle to berelevant. Thus, the user is incentivized to maintain, share, and updatetheir data and associated profiles.

The data profile may be singular to a user or may be expanded to includedeeper insights into a family, group of friends, employees, or otheraffiliated or associated groups. For example, a family circle profilemay include an opt in for parents, children, grandparents, uncles,cousins, neighbors, family friends, and so forth. The data profile maybe shared as a family asset between a partner, spouse, and childrenallowing the family data to be managed and monetized as a single asset.As a result, advertisers and others may get deeper insights intoparticipating users. The illustrative embodiments manage the datacollection, pricing, reconciliation, verification, payments, or soforth. Advertisers may be able to identify consumer data that isrelevant to their campaign in order to provide direct incentives and/ormonetization for users who provide specific advertiser-based insights.For example, a user may select to support a corporate restaurant ofwhich a brother is a part-owner, an online educational institute that afriend works for, or a business that supports charities approved of bythe user.

The illustrative embodiments may also allow user to transfer or donatethe revenue or value generated for a charitable deduction or associatedtax deduction. Each of the described data components is 100% opt in withusers being rewarded for sharing specific data points that are desirableto advertisers or other third parties. For example, users may opt-out ofspecific data points that the do not wish to share with advertisers. Thedata captured by the illustrative embodiments may be consolidated andpurchased by advertisers who provide incentives, rewards, or donationsin exchange for access to users and focus group data used for the miningof advertiser-based user insights, analytics, marketing, andadvertisement targeting.

The illustrative embodiments may also be utilized to create a data indexthat catalogs user profiles, data sets, and data transactions.Advertisers may then select a pricing structure for each type of dataprofile component that is desirable to advertisers thereby creating avirtual market for advertisers to purchase real time user data. Thechanging values of the data may be tracked over time for specific userprofiles, consumer groups, and data pools based on their value toadvertisers. The use of security tokens tied to user profiles creates amarketable asset that gives greater validity to commercial uses ofblockchain technologies and the security token market.

Cryptographic, security, or digital tokens may be exchanged for actualcurrency, preferred stock options, stock warrants, bonds, exchangetraded fund (ETF) shares, cryptic or, initial coin offerings (ICO), giftcards, vouchers, and other forms of compensation. Tokens may be utilizedto communicate data and compensate users, service providers,aggregators, advertisers/marketers, and other applicable parties. Thesystems may also manage any number of smart contracts between relevantparties, such as the users/consumers, service providers, networkoperators, content providers, and so forth. The tokens utilized by theillustrative embodiments may be utilized for any number of purposesincluding compensation, communicating the data, data sets, and datapools, and secure management of the data. The system may utilizemultiple types of tokens (e.g., asset tokens, utility tokens, etc.) thatare utilized together within the blockchain. Various smart contractsand/or decentralized applications may be self-executed to process andmanage the various transactions occurring on the blockchain. Theillustrative embodiments including the systems, methods, devices,processes, and components described herein may implement any number ofblockchain implementations.

The block chain system may utilize crypto-protocols andcrypto-token-protocols. For example, the block chain system may generatetokens, manage a protocol utilizing a consensus algorithm, and recordthe transactions and other actions in a distributed ledger. The variousprotocols may control who, when, and how the various parties may controland otherwise manage the blockchain through any number of public andprivate permissions.

The illustrative embodiments may be utilized to circumvent traditionalcookie-based ad targeting through the utilization of profile datasegmentation on block-chain. In the the past, traditional cookie-basedtargeting relied on browsing actions of a user to target the futureintent of a consumer. The antiquated cookie-based targeting relies onpast behavioral indicators to help pinpoint future product relevance toan audience. Often such processes are lacking in producing positiveoutcomes because the data is often no longer relevant or the intent topurchase has already taken place. An additional consideration is thecollection and utilization of private and personal data without thenecessary protection mechanisms in place to protect the user data.

In online advertising the industry has been focused on cookie,behavioral, and contextual online advertising because it provides theability to drive a small percentage of consumers towards advertisers.The illustrative embodiments provide a system, method, platform, anddevices for consumer data protection and validation that utilizesartificial intelligence and the blockchain to provide consumers with acontrol and validation mechanism that uses intelligent and validatedad-targeting to reach consumers of interest. The illustrativeembodiments also ensure consumer privacy and eliminates the guess workused in cookie, behavioral, and contextual ad-targeting.

In one embodiment, a database of the user's data and profile may beutilized to automatically select applicable digital advertisements. Theself-referential database may be utilized to reference the applicableinformation and then provide the optimized advertisements or actions tobe performed based on the user's own data, preferences, and permissions.

The illustrative embodiments may be utilized to generate digitaladvertisements or content. The illustrative embodiments may also beutilized to generate physical advertisements, audio advertisements,broadcast advertisements, and so forth. The advertisements are highlyeffective and relevant to the applicable user.

FIG. 1 is a pictorial representation of a system 100 for managing userinformation in accordance with an illustrative embodiment. In oneembodiment, the system 100 of FIG. 1 may include any number of devices101, networks, components, software, hardware, and so forth. In oneexample, the system 100 may include a smart phone 102, a tablet 104displaying graphical user interface 105, a laptop 106 (altogetherdevices 101), a network 110, a network 112, a cloud system 114, servers116, databases 118, a data platform 120 including at least a logicengine 122, a memory 124, data 126, tokens 127, and transactions 128.The cloud system 114 may further communicate with sources 131 andthird-party resources 130. The various devices, systems, platforms,and/or components may work alone or in combination.

Each of the devices, systems, and equipment of the system 100 mayinclude any number of computing and telecommunications components,devices or elements which may include processors, memories, caches,busses, motherboards, chips, traces, wires, pins, circuits, ports,interfaces, cards, converters, adapters, connections, transceivers,displays, antennas, operating systems, kernels, modules, scripts,firmware, sets of instructions, and other similar components andsoftware that are not described herein for purposes of simplicity.

In one embodiment, the system 100 may be utilized by any number ofusers, organizations, or providers to aggregate, manage, review,analyze, process, distribute, advertise, market, display, and/ormonetize data 126. The data may include personal data, commercial data,data sets, data pools, and other forms of data. For example, the data126 may be utilized in marketing or advertisements for goods or servicesassociated with the user (as well as family and friends as allowed orspecified). In one embodiment, the goods and services represent anynumber of items, content, products, or services sold by a business,entity, organization, or entity. In one embodiment, the system 100 mayutilize any number of secure identifiers (e.g., passwords, pin numbers,certificates, etc.), secure channels, connections, or links, virtualprivate networks, biometrics, or so forth to upload, manage, and securethe data 126, generate tokens, and perform applicable transactions. Asnoted, the system 100 may be a blockchain system that utilizes a digitalledger to track tokens 127, transactions 128 involving the data 126 andadvertisements 129. For example, the digital ledger may store the data126, tokens 127, transactions 128, and advertisements 129 along withtheir details, information, and data. The devices 101 are representativeof multiple devices that may be utilized by businesses or consumers,including, but not limited to the devices 101 shown in FIG. 1 . Thedevices 101 utilize any number of applications, browsers, gateways,bridges, or interfaces to communicate with the cloud system 114,platform 120, and/or associated components. The devices 101 may includeany number of Internet of Things (IoT) devices, intelligent networkdevices, consumer devices (e.g., gaming devices, smart televisions,tablets, personal computers, etc.).

The data 126 may include a number of different data types. The data 126may include demographic data, consumer data, family and health data,property data, interests and activity data, and other applicable typesof data. The data 126 or advertisements 129 may store the good,services, and products that the user is interested in. The data 126 andadvertisements 129 may be discretely or continuously analyzed andprocessed at time intervals, based on conditions, or in real-time. Inone embodiment, the advertisements 129 are automatically generated inresponse to the data 126 as created, updated, or modified. Theadvertisements 129 may also be selected based on the data 126 fordigital presentation, visual presentation, audio communication, printcreation, augmented reality communication, holographic display, virtualreality communication, or other formats. As previously noted, theadvertisements may already exist or may be custom created for the user.The advertisements 129 may be presented in electronic, print, and otherapplicable formats. The user may represent individuals, families,groups, entities, businesses, aggregations, or other parties.

Demographic data may be a combination of static and influx data pointsthat include age, gender, occupation, marital status,education/education level, income level, religion, birthday, familysize, and so forth. Demographic data, although mostly static, iscommonly quite important to marketers and other interested parties.Consumer data may include websites visited, purchase plans, purchases,brand affinity, cars, clothes, travel, and other information applicableto users, clients, customers, groups, or so forth. The family and healthdata may include permanent or long-lasting data elements which may behelpful for predicting future purchases and include information relatedto family, health, and medical conditions, such as child care, diapers,diabetes, incontinence, rental information, and so forth. The family andhealth data have a large potential for cross marketing of data. Propertydata may include information regarding ownership, rentals/renters,address, for sale, occupants, pool, and vehicle ownership. This data maybe treated and value as static data (even though changes are likely andexpected). The interests and activity data may include data regardinghobbies, general interests, product and brand preferences, and otherapplicable influx data. Political affiliation data may be a matter ofpublic record in many states as the user self identifies. The data maybe static, or perennial based on the user's voting record. As with otherdata, the user may choose to self-identify political and votinginformation or may keep that private.

The wireless device 102, tablet 104, and laptop 106 are examples ofcommon devices 101 that may be utilized to capture, receive, and managedata 126, perform transactions 128, and communicate advertisements 129.For example, the various devices may capture data relevant to the userthat is subsequently monetized for the benefit of the user (e.g.,location, purchases, behavior, web activity, application use, digitalpurchases, etc.). Other examples of devices 101 may include e-readers,cameras, video cameras, electronic tags, audio systems, gaming devices,vehicle systems, kiosks, point of sale systems, televisions, smartdisplays, monitors, entertainment devices, medical devices, virtualreality/augmented reality systems, or so forth. The devices 101 maycommunicate wirelessly or through any number of fixed/hardwiredconnections, networks, signals, protocols, formats, or so forth. In oneembodiment, the smart phone 102 is a cell phone that communicates withthe network 110 through a 5G connection. The laptop 106 may communicatewith the network 112 through an Ethernet, Wi-Fi connection, cellular, orother wired or wireless connection.

The data 126 may be collected and sourced from any number of online andreal-world sources including, but not limited to, clearinghouses (e.g.,stocks, credit card transactions, etc.), website traffic andcookie-based analytics, social media and application data, point ofsale, purchase, and transaction history, loyalty programs and coupons,payment services, location-based email list for mailers, surveys andquestionnaires, and other applicable sources. The data 126 may becaptured based on the permissions, authorization, and confirmation ofthe user. For example, the data 126 may include stock trading data,stock custody data, and consumer credit/debit card transaction data. Thedata 126 may also store information regarding a user's purchases (e.g.,past, present, future, likely, etc.), interests (e.g., personal,commercial, etc.), business/business needs, and other applicableinformation. The data 126 may also store information regarding thefamily, friends, and associates of the user if authorized or requestedby the user. As a result, the user may be able to support businesses andgroups associated with friends and family as well by receiving targetedadvertisements and potentially purchasing goods/services based on thoseadvertisements. In one example, the user may be prompted or alertedregarding how the data 126 corresponding with them intersects with theirpotential purchases (e.g., services, goods, products, etc.), interests,investments, charitable contributions, travel, and other activities andactions. The user may receive real-time alerts, notifications,reminders, or updates based on the data 126 that may serve the user'sbests interests.

These same data collection sources may be utilized to perform analysisof the data 126. In one embodiment, the data 126 may be captured throughregistered account information, programs/applications, website traffic,and tracking cookie-based analytics. For example, information, such astime spent on each site, page views, clicks, conversions, relevantcontent, trends, and other information may be recorded as part of thedata 126. The data 126 may also include digital or online transactionsperformed through services, such as PayPal, Venmo, Zelle, Google,Square, WePay, Skrill, Payza, Stripe, Dwolla, Amazon Pay, 2checkout, andother similar established or developing services.

The data 126 may be captured through social media and applications.Social media data may be utilized to provide real-time polls, surveys,questionnaires, likes and dislikes, feedback, preferences for mediacontent, site traffic, interests, and numerous other consumer data. Anynumber of mobile, computing, personal assistant (e.g., Siri, Alexa,Cortana, Google, etc.), or other applications may be utilized. Socialmedia data may be utilized as definitive or anecdotal data. The data 126may also be captured through keywords, facial recognition (e.g.,emotions), comments, or so forth.

The data 126 may also be captured through point of sale (POS)transactions, card transactions, in-person purchase, digital purchases,and purchase history. In one embodiment, a credit card clearing housemay be utilized to capture the data. Customers, consumers, and clientsmay be comfortable with sharing the specific data points associated withpoint-of-sale transactions due to established practices. Thepoint-of-sale transactions may include extensive data, including, butnot limited to, name, address, item/service, price, credit card type,purchase location, date, brand preference, brand category, productaffinity, spending levels, order history, inventory, restock data,purchase demographics, and so forth. Point-of-sale and transactionhistory data may have static, perennial, and influx data points with thevalue of each data point being tracked and measured within the datavaluation index and the data derivatives marketplace.

The data 126 may also include location-based information andcommunications. An example of static and perennial data points that maybe collected include a standard web form, email request form, wirelesstriangulation, routers/towers/access points reached, proximity beacons,and so forth. The location-based communications may capture data, suchas email, consumer/business addresses, phone numbers, and so forth.

The data 126 may also include surveys and questionnaires. Responses tosurveys and questionnaires may be one of the best ways to gather andinform information regarding the user's demographics, interests, andpreferences that may not be able to be determined in other ways due toprivacy, entity names, applicable laws, and so forth. The ability togather real-world consumer insights may help complete or round out auser profile. The surveys and questionnaires may be performed digitally(e.g., websites, extensions, programs, applications, browsers, texting,or manually (e.g., audibly, on paper, etc.). Responses to surveys andquestionnaires may help achieve saturation of datapoints for userprofiles. Permission to utilize information, data, or activities may beperformed once or repeatedly to ensure that the user understands how thedata 126 is being gathered and utilized.

The cloud system 114 may aggregate, manage, analyze, and process data126 and tokens across the Internet and any number of networks, sources131, and third-party resources 130. For example, the networks 110, 112,114 may represent any number of public, private, virtual, specialty(e.g., trading, financial, cryptocurrency, etc.), or other network typesor configurations. The different components of the system 100, includingthe devices 101 may be configured to communicate using wirelesscommunications, such as Bluetooth, Wi-Fi, or so forth. Alternatively,the devices 101 may communicate utilizing satellite connections, Wi-Fi,3G, 4G, 5G, LTE, personal communications systems, DMA wireless networks,and/or hardwired connections, such as fiber optics, T1, cable, DSL, highspeed trunks, powerline communications, and telephone lines. Any numberof communications architectures including client-server, network rings,peer-to-peer, n-tier, application server, mesh networks, fog networks,or other distributed or network system architectures may be utilized.The networks, 110, 112, 114 of the system 100 may represent a singlecommunication service provider or multiple communications servicesproviders.

The sources 131 may represent any number of clearing houses, webservers, service providers (e.g., trading platforms, credit cardcompanies, transaction processors, etc.), distribution services (e.g.,text, email, video, etc.), media servers, platforms, distributiondevices, or so forth. In one embodiment, the sources 131 may representthe businesses, individuals, entities, or groups that purchase, license,or utilize the data 126, such as for advertising or marketing goods andservices utilizing the system 100. In one embodiment, all, combinations,or a portion of the system 100, cloud system 114, or cloud network,including the data platform 120, may be specially configured to performthe illustrative embodiments and may be referred to as a system orplatform.

The cloud system 114 or network represents a cloud computing environmentand network utilized to aggregate, process, manage, generate, sell,monetize, and distribute data 126 and advertisements 129 whilesupporting the transactions 128 and utilization. The cloud system 114may implement a blockchain system for managing the data 126,transactions 128, and advertisements 129. For example, any number ofblockchain tokens may be utilized to manage the data and ensure propercompensation of the user. The cloud system 114 allows data 126,transactions 128, and advertisements 129 from multiple businesses,users, managers, or service providers to be centralized. In addition,the cloud system 114 may remotely manage configuration, software, andcomputation resources for the devices of the system 100, such as devices101. The cloud system 114 may prevent unauthorized access to data 126,tools, and resources stored in the servers 116, databases 118, and anynumber of associated secured connections, virtual resources, modules,applications, components, devices, or so forth. In addition, a user maymore quickly upload, aggregate, process, manage, view, and distributedata 126 (e.g., profiles, updates, surveys, content, etc.), transactions128, and advertisements 129 where authorized, utilizing the cloudresources of the cloud system 114 and data platform 120.

The cloud system 114 allows the overall system 100 to be scalable forquickly adding and removing users, businesses, authorized sellers,interest-based information, transaction based information, analysismodules, distributors, valuation logic, algorithms, moderators,programs, scripts, filters, transaction processes, distributionpartners, or other users, devices, processes, or resources.Communications with the cloud system 114 may utilize encryption, securedtokens, secure tunnels, handshakes, secure identifiers (e.g., passwords,pins, keys, scripts, biometrics, etc.), firewalls, digital ledgers,specialized software modules, or other data security systems andmethodologies as are known in the art.

Although not shown, the cloud system 114 may include any number of loadbalancers. The load balancer is one or more devices configured todistribute the workload of processing the uploaded data 126 as well asapplicable transactions to optimize resource utilization, throughput,and minimize response time and overload. For example, the load balancermay represent a multilayer switch, database load balancer, or a domainname system server. The load balancer may facilitate communications andfunctionality (e.g. database queries, read requests, write requests,command communications, stream processing, etc.) between the devices 101and the cloud system 114. For example, the cloud system 114 may offloadverification of users that seek to be added to the system 100 along withapplicable data 126 and information. Load balancing may be performedbetween automatic systems and devices as well as individual users. Otherintelligent network devices may also be utilized within the cloud system114.

The servers 116 and databases 118 may represent a portion of the dataplatform 120. In one embodiment, the servers 116 may include a webserver 117 utilized to provide a website, mobile applications, and userinterface (e.g., user interface 107) for interfacing with numeroususers. Information received by the web server 117 may be managed by thedata platform 120 managing the servers 116 and associated databases 118.For example, the web server 117 may communicate with the database 118 torespond to read and write requests. For example, the servers 116 mayinclude one or more servers dedicated to implementing and recordingblockchain transactions and communications involving the data 126,transactions 128, and advertisements 129. For example, the databases 118may store a digital ledger for updating information relating to theuser's data 126 and transactions 128 as well as utilization of the data126 and transactions 128 to generate and communicate the advertisements129. For example, the user's data 126 may be packaged in digital tokensthat may be securely communicated to any number of relevant parties. Inone embodiment, the advertisements 129 are custom created based on theuser's data 126 and transactions 128. As noted, the transactions 128 mayrepresent past, potential/present, or future transactions. As a result,information may be given based on historical information, real-timedata, or anticipated/future information.

The databases 118 may utilize any number of database architectures anddatabase management systems (DBMS) as are known in the art. Thedatabases 118 may store the content associated with eachuser/consumer/purchaser which may specify an address, name, age,demographics, interests, family/friend information, biometricidentifiers, payment information, permissions, settings, location, causepreferences, cause restrictions, and so forth. Any number of secureidentifiers, such as tones, QR codes, serial numbers, alphanumericreferences, biometrics, or so forth may be utilized to ensure thatcontent, personal, or transaction information is not improperly sharedor accessed. The databases 118 may include all or portions of a digitalledger applicable to one or more block chain transactions includingtoken generation, management, exchange, and monetization. The databases118 may also include the secure identifiers.

The user interface 105 may be made available through the various devices101 of the system 100. In one embodiment, the user interface 105represents a graphical user interface, audio interface, or otherinterface that may be utilized to manage data, transactions, and otherinformation. For example, the user may enter or update associated datautilizing the user interface 105 (e.g., browser or application on amobile device). The user interface 105 may be presented based onexecution of one or more applications, browsers, kernels, modules,scripts, operating systems, or specialized software that is executed byone of the respective devices 101.

The user interface 105 may display current and historical data as wellas trends. The user interface 105 may be utilized to set the userpreferences, parameters, and configurations of the devices 101 as wellas upload and manage the data, content, and implementation preferencessent to the cloud system 114. The user interface 105 may also beutilized to communicate the advertisements 129 to the user. The devices101 (e.g., displays, indicators/LEDs, speakers, vibration/tactilecomponents, etc.) may present, play, display, or otherwise communicatethe advertisements 129 visually, audibly, tactilely, virtually, or anycombination thereof.

In one embodiment, the system 100 or the cloud system 114 may alsoinclude the data platform 120 which is one or more devices utilized toenable, initiate, generate, aggregate, analyze, process, and manage data126, transactions 128, advertisements 129, and so forth with one or morecommunications or computing devices. The data platform 120 may includeone or more devices networked to manage the cloud network and system114. For example, the data platform 120 may include any number ofservers, routers, switches, or advanced intelligent network devices. Thedata platform 120 may represent one or more web servers that perform theprocesses and methods herein described. The cloud system 114 may manageblock chain management of the data 126 utilizing block chaintechnologies, such as tokens, digital ledgers, hash keys, instructions,and so forth.

In one embodiment, the logic engine 122 is the logic that controlsvarious algorithms, programs, hardware, and software that interact toreceive, aggregate, analyze, rank, process, score, communicate, anddistribute data, content, transactions, alerts, reports, messages, or soforth. The logic engine 122 may utilize any number of thresholds,parameters, criteria, algorithms, instructions, or feedback to interactwith users and interested parties and to perform other automatedprocesses. In one embodiment, the logic engine 122 may represent aprocessor. The processor is circuitry or logic enabled to controlexecution of a program, application, operating system, macro, kernel, orother set of instructions. The processor may be one or moremicroprocessors, digital signal processors, application-specificintegrated circuits (ASIC), central processing units, or other devicessuitable for controlling an electronic device including one or morehardware and software elements, executing software, instructions,programs, and applications, converting and processing signals andinformation, and performing other related tasks. The processor may be asingle chip or integrated with other computing or communicationselements.

The memory 124 is a hardware element, device, or recording mediaconfigured to store data for subsequent retrieval or access at a latertime. The memory 124 may be static or dynamic memory. The memory 124 mayinclude a hard disk, random access memory, cache, removable media drive,mass storage, or configuration suitable as storage for data 126,transactions 128, instructions, and information. In one embodiment, thememory 124 and logic engine 122 may be integrated. The memory 124 mayuse any type of volatile or non-volatile storage techniques and mediums.In one embodiment, the memory 124 may store a digital ledger and tokensfor implementing a blockchain processes.

In one embodiment, the cloud system 114 or the data platform 120 maycoordinate the methods and processes described herein as well assoftware synchronization, communication, and processes. The third-partyresources 130 may represent any number of human or electronic resourcesutilized by the cloud system 114 including, but not limited to,businesses, entities, organizations, individuals, government databases,private databases, web servers, research services, and so forth. Forexample, the third-party resources 130 may represent advertisementagencies, marketers, e-commerce companies, verification services, creditmonitoring services, block chain services, payment providers/services,and others that pay for rights to use the data 126, track or provideinformation regarding the transactions 128, and create or monitorutilization of the advertisements 129.

In one embodiment, the data platform 120 may implement a blockchainledger, manager, or technology. In another embodiment, the blockchainledger may be accessible through sources 131. Any number of existing,developing, or future blockchain companies or providers may be utilized(e.g., Aeternity, Ethereum, Bitcoin, Dfinity, ContentKid, Blockphase,Chain of Things, Flowchain, Decissio, Cognate, SkyHive, Safe, etc.).

The blockchain is utilized as a way to store and communicate the data126, transactions 128, and advertisements 129. The blockchain mayutilized one or more distinct ledgers for different entities, servicesproviders, types of data, users, or so forth. For example, each new userwith data received by the data platform 120 is assigned a token or othersecure identifier. In one embodiment, the digital tokens may be managedutilizing a key that allows the user or controlling party to access theledger. In one example, the tokens may be controlled by the user orcontrol may be reassigned. The blockchain may cross-reference updates tothe data 126 with the original record for the data platform 120 toensure proper maintenance, control, licensing, management, andtransactions. In one example, different licensing tiers, pricingalgorithms, license verification, cause information, and payments arecombined to create a unique platform. The illustrative embodimentsprovide a system 100, cloud system 114, and data platform 120 for usinguser data, specifically stocks, equities, ownership, holdings, andinterests, to generate generic, selective, custom, or targetedadvertising. The illustrative embodiments are performed based on theuser's request, authorization, or approval to apply with all applicablelaws and standards.

The blockchain may also utilize any number of payment systems (e.g.,PayPal, Venmo, Dwolla, Square, wire transfers, credit cards, Quicken,etc.) to receive money and distribute payments to the applicable party.In one embodiment, the data platform 120 may receive a small fee orpercentage per transaction, data uploaded/updated, data purchased,shared, or licensed, purchased item, browsing session, or so forth. Inone embodiment, the data platform 120 may be utilized to verify usersand advertisers (as well as other users/entities that utilize the dataplatform 120) and associated data 126 and transactions 128 associatedwith the data 126.

The third-party resources 130 may represent any number of electronic orother resources that may be accessed to perform the processes hereindescribed. For example, the third-party resources 130 may representgovernment, private, and charitable servers, databases, websites,programs, services, and so forth for verifying the data 126,transactions 128, and the advertisements 129. In another example,auditors may verify the advertisements 129 are actually generated basedon the data 126 including the transactions 128.

Various data and venue owners that access the data platform 120 maylegally extract and tokenize the data 128, transactions 128, andadvertisements for use in the exchange provided by the system 100 byidentifying and tracking data utilizing automatic data extraction tools.Any number of privacy and data policies may be implemented to ensurethat applicable local, State, Federal, and International laws,standards, and practices are procedures are met.

In one embodiment, a user or consumer group represented by a user of thedevices 101 or the sources 131 may elect and receive permission tocollect observational data collected from secure and authorized systemsto achieve access to partial or complete data from the sources 131(e.g., professional drivers, human resources, prison records, propertyvalues, real estate sales, retail sales, retail prices, commerce, wastestream data, etc.).

The logic engine 122 may also perform valuation of the data 126 andadvertisements as is taught by PCT/US19/59920 entitled “Method andSystem for Data Valuation and Secure Commercial Monetization Platform”and filed Nov. 5, 2019 and as is taught by PCT/US20/25495 entitled“Method and System for Data Futures Platform” filed Mar. 29, 2020 whichare hereby incorporated by reference in their entirety. The illustrativeembodiments may also support third-party utilization of the data 126 andtransactions 128 to generate the advertisements 129. Variousauthorization, auditing, and validation processes may be performed byauditing groups, commissions, industry groups, or otherprofessionals/entities. The various embodiments may also allow a user todonate the value of their data 126 and transactions 128 and consumptionof advertisements 129.

In one embodiment, the logic engine 122 may utilize artificialintelligence. The artificial intelligence may be utilized to enhancedata 126, analyze transactions 128, and generate advertisements 129 toincrease value, utilization, effectiveness, and profits. For example,artificial intelligence may be utilized to review, authenticate, andvalidate data and transactions that are received by the system 100. Theartificial intelligence of the logic engine 122 may be utilized toensure that the data 126 is improved, accurately analyzed, and valueincreased. For example, it is expected that data and the associatedtokens that are validated utilizing artificial intelligence may be givena premium value by advertisers.

In another embodiment, the devices 101 may include any number ofsensors, appliances, and devices that utilize real time measurements anddata collection to update the data 126. For example, a sensor network,wearables (e.g., watches, bands, implantable devices, etc.) and Internetof things (IOT) devices may gather user and behavioral data. The dataplatform 120 may also work in conjunction with hands-free data miningand measurement tools that tracks location, activity, and video-basedmarketing data (e.g., from GPS location, video from storefronts, beacondetection, proximity alerts, etc.) from any number of third-partysources. The user may be tracked through any number of environments,locations, and conditions. The advertisements 129 may also be generatedbased on the activities, actions, and location of the user.

In one embodiment, the data platform 120 may extract data fromthird-party platforms by opting in and providing user credentials tovarious applications (e.g., Charles Schwab, TD Ameritrade, E*Trade,Vanguard, Fidelity, Merrill Lynch, etc.) the data platform 120 mayextract data from the sources 131.

FIG. 2 further illustrates portions of the system 100 of FIG. 1 inaccordance with an illustrative embodiment. As shown the advertisers150A-E (jointly advertisers 150) may represent the sources 131 of FIG. 1. The sellers 150 may represent any number of exchanges, platforms,clearinghouses. advertisers, marketers, businesses, retailers, serviceproviders, individuals, organizations, entities, or so forth referred toas sellers 150 or businesses for purposes of simplicity. The consumers152A, 152B (jointly consumers 152) represent any number of users,consumers, groups, or individuals that have data 154 (also includingtransactions) that is utilized to allow targeted advertisements 155 toconsumers 152 that are willing to allow the sellers 150 access throughthe data platform 120. In one embodiment, the data platform 120 mayrepresent all or portions of the system 100 of FIG. 1 (including thecloud system 114, servers 116, and databases 118).

The consumers 152 may actively or passively upload data 154 to the dataplatform 120. The data platform 120 may also receive amended, updated,or add additional data 154 for the consumers 152 at any time asdescribed herein. The consumers 152 may have an agreement (e.g.,contract, terms of services, permissions, authorizations, etc.) for theutilization of the data 154 by the sellers 150 or other interestedparties to generate the targeted advertisements 155. The agreement orcontract may specify how, when, and what portions of the data 154 may beused as well as the associated compensation terms. The agreement mayspecify that the data 154 may be processed, analyzed, purchased,licensed, rented, leased, or otherwise managed by the data platform 120for the mutual benefit of the consumers 152 and the sellers 150. Forexample, the consumer 152B may elect to receive targeted advertisements154 to support the companies, organizations, entities, or other groupsin which the consumer 152B has stock, ownership shares, interests,holdings, or a vested interest. The consumer 152B may be interested inthe targeted advertisements 154 to support herself or to support familyand friends. In another example, the consumer 152B may elect to licenseuse of their data 154 such that they are compensated utilizing a digitalcurrency (or hard currency) for each access of or utilization of theirdata 154 by the sellers 150. The data platform 120 may also parse orseparate data for utilization.

The data platform 120 may process raw consumer data to generate thetargeted advertisements 155. The targeted advertisements 155 may bedesirable to the user because the targeted advertisements 155 supportthe companies, stock, holdings, ownership, or interests of the user. Inone embodiment, a term, identifier, or logo utilized with each of thetargeted advertisements 155 may indicate that the targetedadvertisements 155 are for the benefit of the user. In one embodiment,the targeted advertisement 155 may even include the stock ticker, nameof the company, user's name, key word, identifier, certification, or soforth indicating that the targeted advertisement 155 has gone throughthe analysis, authorization, and vetting process herein described.

The data platform 120 performs valuation of the data 154 and targetedadvertisements 155 based on information from any number of sourcesincluding current rates, contracts, indices, exchanges, and otherapplicable information. For example, current targeted advertisementrates may be utilized to value the data 154. The tokens paid to theconsumers 152 in exchange for the data 154 may vary based on the volume,quantity, verification, and types of information included in the data154. The data platform 120 normalizes data monetization for theconsumers 152 and sellers 150. Compensation performed by the dataplatform 120 may be performed utilizing digital currencies or hardcurrencies. In one embodiment, blockchain-based currencies may beutilized to compensate the consumers 152. Full tokens or partial tokensmay be utilized to most accurately represent the values being exchanged.There may be a predefined number of tokens available thereby allowingearly adopters of the system 100 to earn more over time. For example, inresponse to the consumer 152A selling or granting access to the data 154to the data platform 120 or the seller 150B, the consumer may becompensated with tokens (e.g., Bitcoin, Ethereum, proprietary tokens,etc.). All or portions of the data 154 may be involved in a transaction.For example, in addition to stock, ownership, equities, and interest,the data 154 may include numerous components relating to all aspects ofthe life, work, hobbies, entertainment, studies, politics, health,family, consumer habits, for the consumer 152B. The consumers 152 may becompensated per transaction, daily, weekly, monthly, yearly, or based onother set intervals, payment thresholds, actions, or so forth.

Not all of the sellers 150 may sell products, goods, or services thatcorrespond to the stocks, holdings, and interests of the consumers 150.The seller 150D may only license rights to temporarily (e.g., for oneyear) access the consumer habits of the consumer 152B existing andupdated in real-time. The exchange for the tokens may include a pointerto a secure storage or vault accessed through the data platform 120. Thepointer may be an encryption key, access information, unique identifier,or other security information for accessing the data 154 associated withthe user. In another embodiment, security tokens used for the blockchainmay also be embedded with the data 154. The tokens granted through thedata platform 120 may vary in value, may be fixed, or may act similar toother monetary instruments (e.g., stocks, bonds, certificates ofdeposit, etc.) for a specified original value of the data 154.

The data platform 120, sellers 150, or consumers 152 may keep andmaintain digital ledgers that track the transactions within the system100 to verify and authenticate the data 154, advertisements 155, andassociated transactions. The sellers 150 may utilize the data 154 toadvertise, sell, or market goods, services, products, perform marketresearch, generate analytics, and otherwise generate and communicate theadvertisements 155 and communicate the advertisements 155 to theconsumers 152. As previously noted, the data platform 120 may alsorepresent one or more processing, analysis, blockchain, or distributioncenters, systems, devices, facilities, or so forth. The sellers 150 andconsumers 152 may represent any number of individuals or groups (e.g.,hundreds, thousands, millions, etc.).

As noted, the sellers 150 may send or distribute goods and servicesassociated with the advertisements 155 through the cloud system ordirectly to the consumers 152. In one embodiment, the seller 150B maydistribute goods and services 154 to the consumer 152A through the dataplatform 120. The data platform 120 may perform distribution of thegoods and services 154. For example, the data platform 120 may includeany number of physical storages, digital storage, warehousing, anddistribution systems, facilities, professionals, employees, contractors,electronics, and so forth.

FIG. 3 is a flowchart of a process for receiving data elements inaccordance with an illustrative embodiment. The process of FIGS. 3-6 maybe performed by a platform, device, server, or other equipment inaccordance with illustrative embodiments (see for example the devices,servers, systems, and equipment of FIG. 1 ). All or portions of theprocess of FIGS. 3-6 may be performed automatically. The process of FIG.3 may be implemented by a system or platform, such as the system 100,data platform 120, or devices 101 of FIG. 1 referred to genericallyherein as the platform. The steps of FIGS. 3-7 may be combined in anyorder, integrated, or otherwise combined as useful.

The process of FIG. 3 may begin by receiving data (step 300). Thereference to the data elements in FIG. 3 may represent one or moreportions of data that are received in a session, simultaneously,sequentially, or concurrently. The data may represent or be referred toas one or more data elements, data components, portions of data, fields,captured information, or so forth. The data may be received through anynumber of processes, devices, platforms, or so forth. For example, thedata s may be received, captured, generated, or retrieved throughonline, application, or electronic purchases, video selections,point-of-sale, foot traffic, location, surveys, social media selections,web consumption and history, audio input, online activities, actions,selections, or so forth.

Next, the platform verifies the data (step 302). All or portions of thedata may be verified individually or as part of a data set in which thedata is included. The process of steps 300, 302, 304 may be performedautomatically by algorithms, programs, or instructions configured todetermine the validity and authenticity of the data. The verificationmay also be performed utilizing input or feedback from the user. Forexample, periodically (e.g., hourly, daily, weekly, monthly, yearly,etc.) or based on an activity (e.g., purchase, request, opening anapplication, opt-in, etc.) the verification may be performed. Forexample, a use interface may present the data that has beenreceived/captured during step 300 to verify the data in step 302.Secondary processing and verification centers that utilize artificialintelligence, machine learning, human analysts,

Next, the platform confirms the data is applicable to the user (step304). The platform may also receive specific user input to confirm thatdata belongs to the user or originated from the user or their authorizedactivities. For example, the user may verify that the data is accurateand resulted from actions, activities, selections, or data of the user.In another example, the user may determine that the data was notreceived utilizing approved methods or processes. As a result, the datamay be deleted or otherwise removed. Unauthorized data may not beincorporated into a larger data set or a data profile associated withthe user. The user maintains control over their data and how it iscaptured, managed, monetized, and otherwise utilized by themselves andthird parties.

FIG. 4 is a flowchart of a process for utilizing data in accordance withan illustrative embodiment. The data referred to in FIG. 4 may betokenized via block chain for the purpose of authorizing, securing,confirming, valuing, and monetizing data (both consumer and commercial).The process may begin by performing data validation for the data (step400). In one embodiment, the platform may ensure that the data wasreceived from the user. As is well known, in families and other groups,many users may individually access different wireless and computingdevices. For example, devices such as tablets, smart phones, laptops,personal computers (e.g., laptops, desktops, etc.), gaming devices,electronic readers, digital assistants (e.g., Alexa, Siri, Cortana,etc.) and so forth may be utilized by a number of users. During step400, the platform may verify the user associated with the data. In oneexample, as data is received, the user may ask a verification question,such as “is this Blair?” The platform may also utilize one or morebiometrics to verify the user, such as facial recognition, fingerprintscans, The platform may also utilize machine learning to recognizeactivities, programs, and behavior associated with each of a number ofusers that may utilize the electronic devices that are part of or incommunication with the platform.

Next, the platform receives confirmation from the user (step 402). Anynumber of processes may be utilized to perform confirmation. Forexample, user opt ins, surveys, codes/passwords/pins, biometricsrecognition (e.g., facial recognition, fingerprints, etc.),buttons/interface selections, feedback, user input, and other active orpassive selections may be utilized to receive confirmation from theuser. The user may also be presented with a selection (e.g., pop up,text, soft button, phone call, electronic request, etc.) to confirm datais accurately and correctly associated with them. If not correct, theuser may be able to provide more accurate information, such as user,updated data, updated preferences, and so forth. The user may also beable to change data to a different user, delete data, disavow data, orprovide extra information that may be useful.

Next, the platform determines if the data set is complete after addingthe data (step 404). The platform may compare the data to other data ordigital profiles to look for missing, incomplete, or shared dataelements or data sets. The platform may receive additional data asautomatically searched out or received from the user. The platform mayutilize any number of profiles/accounts (e.g., shopping, entertainment,email, business, communication, social media, etc.), devices, or otherinformation to further determine if the data set is correct and updatethe data associated with the user and utilized by the platform.

Next, the platform receives instructions from the user specifying howtheir data may be used (step 406). The user may specify how, when, andwhere their data, compiled data sets, and data profile may be utilized.For example, the granular level of authorization may include individualapplications, companies, organizations, entities, and others that mayaccess the data. The instructions may specify the types ofadvertisements, marketing, or utilization that may be received, such asdigital, print, sample products, television, audio, augmented reality,in-application, virtual, holographic, and so forth. For example, theuser may specify the types of advertisements that are interesting touser by category, topic, or other information. For example, a first usermay initially specify that she is interested in travel deals, wirelessservice information, college information, and yoga information andproducts with other updates and expansions permitted over time based onher data. In another example, a second user may specify that he isinterested in sports tickets, sporting goods, consumer electronics,business services, and political information without any of the othercategories being expanded or added without explicit permission. Theinstructions may specify how data usage may be limited, capped, orexpanded over time automatically or based on the user's permissions. Theinstructions may also be focused on commercial products and servicesthat may be of interest to the user, such as information technology,medical, healthcare, legal, accounting, consumer goods, industrialgoods, manufacturing, shipping/transport, consumables, real estate,utilities, and so forth.

Next, the platform compensates the user for sharing tokenized data setswith interested parties (step 408). The platform monetizes the data toensure that the user is compensated for the receipt, analysis,processing, and utilization of the data. As previously noted, the usermay elect not to receive earnings, payments, or the monetary benefit ofthe data being monetized. For example, the earnings (e.g., dollars,crypto the, points, credit, discounts, etc.) may be donated, shared, orotherwise distributed to charitable groups, organizations andindividuals, and so forth. The user may be compensated periodically, inreal-time based on usage of the data sets, based on specific actions(e.g., reaching threshold amounts, user actions, etc.) and so forth.

FIG. 5 is a flowchart of a process for monetizing data in accordancewith an illustrative embodiment. The process may begin by compiling adata set associated with a user (step 500). The platform may havespecific requirements for the transition of data into a marketable andmonetizable asset. For example, the data may have inherent value thatmay be improved by clustering distinct sets of data into a data pool.The value of a cluster data pool may be increased as the data pool iscross populated with new distinct data sets that add new data points tothe data pool of continually accumulated data sources.

Next, the platform generates a token for each unique data set (step502). Any number of block chain systems or cryptocurrencies may beutilized to create tokens based on the data. The tokens utilized by theplatform may represent cryptographic or digital tokens that manage theaccess rights to the data as tracked in a distributed ledger. Any numberof blockchain systems, platform, and/or software may be utilized. All orportions of the different types of data (e.g., data/information, datasets, data pools, etc.) may be represented by the tokens. In oneembodiment, the data sets are inserted or added to the token forutilization. In one embodiment, a smart contract may be created thatallows the user's data to be utilized by the platform.

Next, the platform monetizes the token based on the data set (step 504).In one embodiment, the user's data may be monetized by theadvertisements or direct offers that are provided to the user throughthe platform (e.g., advertisements displayed to the user through webbrowser, applications, tools, etc.). The user may specify the types ofproducts, services, advertisements, and marketing she is willing toreceive or is interested in. Advertisers may pay the platform for theright to advertise to the user and the platform (or service providerassociated with the platform) may the pay or compensate the user (or thedesignated party). The users may also be compensated by sharingtokenized and encrypted personally identifiable information (PII). As aresult, advertisers and other interested parties may have validated,current, and actionable consumer data points that are highly soughtafter. The tokens may be utilized by the user to directly control andmonetize their data (e.g., web data, application data, profiles,personal measurements, readings, etc.). The user may also be compensatedbased on purchases of goods, services, equities, or other transactionsthat result from the data and data collection process. In oneembodiment, a user may be compensated for a number of users for whichpermissions are granted (e.g., organization, entity, etc.).

In one embodiment, the user may be compensated utilizing tokensassociated with digital currencies, hard currencies (or conversion fromdigital currencies into hard currencies), charitable contributions, andtax deductions. The earnings for a user may also be donated,reallocated, or shared between users, entities, and organizations. Usersmay be rewarded for additional data uploads, updates, additions,confirmations, amendments, surveys/questionnaires completed, and soforth. In many cases, the user may only be required to allow or turn onsharing of data. The tokens may be utilized to perform payments forproducts, systems, or information/data (e.g., to vendors, stores, thirdparties, etc.), secure a digital asset, tracking the life of an asset,share a stake in an asset or company, participate in an initial coinoffering or subsequent distributions, receive a reward, maintaining andmanaging a digital asset, make a charitable contributions, receive taxdeductions, or other applicable processes. The platform allows the userto select when, how, and what data is captured or otherwise received, aswell as how, when, and where the data may be utilized, and how the useris compensated for utilization of their data. The user may change theapplicable settings, instructions, configuration, or other applicableinformation at any time. Any number of bonuses (e.g., utilization, userreferrals, longevity, updates, etc.), incentives, or other compensationmay be paid by the platform as part of the tokens.

FIG. 6 is a flowchart of a process for data segmentation in accordancewith an illustrative embodiment. The process may begin by clusteringdistinct data sets into a data pool (step 600). The data and data setsfrom similar or distinct types of users, entities, organizations, andgroups may be clustered together utilizing any number of grouping,combination, or aggregation parameters (e.g., interests, demographics,advertisements, location, rating, etc.), variables, criteria, orprocesses. For example, the data pool may be aggregated based onpotential targeted advertisements. For example, the users may be pooledbecause a single advertising or marketing campaign may be focused on allor a substantial portion of the individuals/groups in the data pool. Theplatform may also validate the data during any of the steps of FIG. 6utilizing various algorithms to verify the data, associated transaction,contract, records, or other information. Once verified, the platform maycombine a single action or transaction into a block of data for ablockchain ledger.

Next, the platform cross populates the data pool with distinct data sets(step 602). As new data is received, the data and associated data setsmay be added to a selected data pool (where relevant or applicable). Asa result, the data pool becomes more valuable over time. The variousparameters, variables, criteria, or processes may be utilized to crosspopulate the data pool over time or based on actions.

Next, the platform segments the data pool into a segmentation treeidentifying saturation, missing, incomplete, or nonrelevant data (step604). The segmentation tree may represent any number of files, scripts,algorithms, or indications that note potential issues with the datapool. The segmentation tree may be utilized to correct and complete thedata increasing the data pool's relevancy to potentially interestedparties. As a result, the desirability, valuation, and marketability ofthe data pool may be increased significantly. The platform may utilizeany number of techniques or processes to add, correct, modify, or deletedata in the data pool. For example, customized surveys, questionnaires,pop-ups, or requests may be presented to the user.

Next, the platform determines relevance of the data in the data pool toone or more interested parties (step 606). The platform may determinewhich parties may be most interested in utilizing the data pool, datasets, and individual user data to maximize monetization. For example,the platform may determine that financial companies may be mostinterested in the data pool based on the types and amount of data. Inanother example, the platform may determine that medical/pharmaceuticaladvertisers may be most interested in the data pool. The platform maypresent the types, amounts, and description of the data pool for theparties to self-select who may be interested. Interested parties maylicense, bid for, purchase, or access the data pool. The platform maycontrol whether the data is moved to other devices, systems, andplatforms or whether it remains on the platform.

FIG. 7 is a flowchart of a process for utilizing data in accordance withan illustrative embodiment. The process may begin by processing data(step 700). The data may represent one or more individual pieces ofdata, user profiles, data sets, data pools, partitions of data, or soforth. The data may be applicable to one or more users, families,collections, groups, companies, entities, or so forth. The data may beprocessed, parsed, and analyzed utilizing artificial intelligence,machine learning, advertising analysts, or any number of processes,criteria, or so forth.

Next, the platform determines advertising and marketing relevance basedon the data (step 702). The platform may utilize the data to determinerelevant goods or services (e.g., consumer, commercial, etc.). In oneembodiment, the data may be automatically processed into groups that mayhave similar views, needs, wants, profiles, or so forth. In anotherembodiment, the advertising and marketing relevance may be performed fordifferent portions of the data. The advertising and marketing mayinclude advertising and marketing materials in any number of formats,offers, discounts, coupons, deals, or so forth.

Next, the platform selects or generates advertisements in response tothe determined advertising and marketing relevance (step 704). Theplatform may select from available advertisements. In anotherembodiment, the platform may generate advertisements that are customcreated for one or more users. In one embodiment, the platform mayself-reference the data to select from available advertisements. Theplatform may also self-reference the data to create advertisements.

Next, the platform communicates the advertisements to one or more usersassociated with the data (step 706). The advertisements may becommunicated digitally/electronically, physically, or in any number ofother existing or developing formats or mediums.

Any number of preparatory steps may be performed as part of theprocesses of FIGS. 3-7 . For example, a user profile may be created fora user. The user profile may be generated or determined from alreadyavailable information for the user. For example, the user profile mayrepresent one or more profiles compiled by devices, accounts, services,or so forth. The user may provide answers utilizing one or more surveys,fields, questions, or other applicable information and data to determineapplicable information and data.

The platform may perform data reconciliation of the information at anytime during the process. In one embodiment, a data reconciliation enginemay review the applicable information to determine products/servicesthat align with the data and interests of the user. In one embodiment,the platform may determine a portfolio of potential advertisements forgoods and services associated with the user's data or interests. As aresult, the advertisements may be readily available in real-time or nearreal-time.

Likewise, at any time the platform may create targeted advertisementsbased on the user data. The targeted advertisements may represent anynumber of advertisements displayed to the user including Internetadvertisements, in-application advertisements, television/video/InternetProtocol Television advertisements, radio/Internet radio, printadvertisements, and other forms of advertisements. In one embodiment

In one embodiment, advertising and marketing may be directed toward theuser in response to a selection made by the user to opt-in to targetedadvertisements that benefit the user's interests rather than randomadvertisements. For example, the selection may involve the acceptance offinancial or legal language utilizing a graphical user interfacepresented utilizing a web interface, mobile application, or so forth.The selection may be to receive targeted advertisements rather thangeneric advertisements or advertisements that are not associated withthe user's data and interests. In one embodiment, a profile associatedwith the platform may specify the companies, organizations, entities, orother groups that the user would like to support. The user's profile mayalso include any number of settings, configurations, parameters,selections, releases, authorizations, verification requirements, orother information and data that controls how the user's data is utilizedin accordance with the illustrative embodiments. The user referencedherein may also refer to one or more individuals, a group of people, anentity, an organization, associated persons, or so forth. The data mayalso be referred to as personal data, consumer data, private data,monetized data, authorized data, advertising data, or marketing data andmay include individual data units, data sets, data pools, and otheramalgamations or compilations of data, values, and information.

The illustrative embodiments may take the form of an entirely hardwareembodiment, an entirely software embodiment (including firmware,resident software, micro-code, etc.) or an embodiment combining softwareand hardware aspects that may all generally be referred to herein as a“circuit,” “module” or “system.” Furthermore, embodiments of theinventive subject matter may take the form of a computer program productembodied in any tangible or non-transitory medium of expression havingcomputer usable program code embodied in the medium. The describedembodiments may be provided as a computer program product, or software,that may include a machine-readable medium having stored thereoninstructions, which may be used to program a computing system (or otherelectronic device(s)) to perform a process according to embodiments,whether presently described or not, since every conceivable variation isnot enumerated herein. A machine-readable medium includes any mechanismfor storing or transmitting information in a form (e.g., software,processing application) readable by a machine (e.g., a computer). Themachine-readable medium may include, but is not limited to, magneticstorage medium (e.g., floppy diskette); optical storage medium (e.g.,CD-ROM); magneto-optical storage medium; read only memory (ROM); randomaccess memory (RAM); erasable programmable memory (e.g., EPROM andEEPROM); flash memory; or other types of medium suitable for storingelectronic instructions. In addition, embodiments may be embodied in anelectrical, optical, acoustical or other form of propagated signal(e.g., carrier waves, infrared signals, digital signals, etc.), orwireline, wireless, or other communications mediums.

Computer program code for carrying out operations of the embodiments maybe written in any combination of one or more programming languages,including an object-oriented programming language such as Java,Smalltalk, C++ or the like and conventional procedural programminglanguages, such as the “C” programming language or similar programminglanguages. The program code may execute entirely on a user's computer,partly on the user's computer, as a stand-alone software package, partlyon the user's computer and partly on a remote computer or entirely onthe remote computer or server. In the latter scenario, the remotecomputer may be connected to the user's computer through any type ofnetwork, including a local area network (LAN), a personal area network(PAN), or a wide area network (WAN), or the connection may be made to anexternal computer (e.g., through the Internet using an Internet ServiceProvider).

FIG. 8 depicts a computing system 800 in accordance with an illustrativeembodiment. For example, the computing system 800 may represent adevice, such as one or more of the devices 101 of FIG. 1 . The computingsystem 800 includes a processor unit 801 (possibly including multipleprocessors, multiple cores, multiple nodes, and/or implementingmulti-threading, etc.). The computing system includes memory 807. Thememory 807 may be system memory (e.g., one or more of cache, SRAM, DRAM,zero capacitor RAM, Twin Transistor RAM, eDRAM, EDO RAM, DDR RAM,EEPROM, NRAM, RRAM, SONOS, PRAM, etc.) or any one or more of the abovealready described possible realizations of machine-readable media. Thecomputing system also includes a bus 803 (e.g., PCI, ISA, PCI-Express,HyperTransport®, InfiniBand®, NuBus, etc.), a network interface 805(e.g., an ATM interface, an Ethernet interface, a Frame Relay interface,SONET interface, wireless interface, etc.), and a storage device(s) 809(e.g., optical storage, magnetic storage, etc.). The system memory 807embodies functionality to implement embodiments described above. Thesystem memory 807 may include one or more functionalities that storecontent, blockchain data, parameters, application, user profiles, and soforth. Code may be implemented in any of the other devices of thecomputing system 800. Any one of these functionalities may be partially(or entirely) implemented in hardware and/or on the processing unit 801.For example, the functionality may be implemented with an applicationspecific integrated circuit, in logic implemented in the processing unit801, in a co-processor on a peripheral device or card, etc. Further,realizations may include fewer or additional components not illustratedin FIG. 8 (e.g., video cards, audio cards, additional networkinterfaces, peripheral devices, etc.). The processor unit 801, thestorage device(s) 809, and the network interface 805 are coupled to thebus 803. Although illustrated as being coupled to the bus 803, thememory 807 may be coupled to the processor unit 801.

The illustrative embodiments provide a system, method, platform, anddevices that improve the state of the art. In particular, cookies andother forms of data tracking may not be required to track user data.Instead, the user may determine how, when, and where data is shared withone or more groups, entities, or companies. In addition, the user maydirectly benefit from the shared data. As a result, the user may beincentivized to provide relevant or updated data and informationresulting in better advertisements, data utilization, or so forth allwith the user's approval. The illustrative embodiments provideembodiments that when considered as a whole are novel and unique overthe cited art.

The features, steps, and components of the illustrative embodiments maybe combined in any number of ways and are not limited specifically tothose described. In particular, the illustrative embodiments contemplatenumerous variations in the smart devices and communications described.The foregoing description has been presented for purposes ofillustration and description. It is not intended to be an exhaustivelist or limit any of the disclosure to the precise forms disclosed. Itis contemplated that other alternatives or exemplary aspects areconsidered included in the disclosure. The description is merelyexamples of embodiments, processes or methods of the invention. It isunderstood that any other modifications, substitutions, and/or additionsmay be made, which are within the intended spirit and scope of thedisclosure. For the foregoing, it can be seen that the disclosureaccomplishes at least all of the intended objectives.

The previous detailed description is of a small number of embodimentsfor implementing the invention and is not intended to be limiting inscope. The following claims set forth a number of the embodiments of theinvention disclosed with greater particularity.

What is claimed is:
 1. A method for managing data, comprising: receivingdata associated with a user automatically from a plurality of sources;automatically confirming the data is applicable to a user; adding thedata to a data set associated with the user, and wherein the data setincludes at least two or more of website data, user profiles, andtransactions each of which is associated with the user; clusteringdistinct data sets into a data pool; cross populating the data pool withdistinct data sets: segmenting the data set and the data pool toidentify saturation, missing, incomplete, or nonrelevant datadetermining whether the data set is complete after adding the data tothe data set, wherein the data set is completed based on requirementsfor the data set and instructions from the user specifying how the dataset is usable; and creating tokens based on 1) the data set of the userand 2) the data pool, wherein the tokens are blockchain tokens, andwherein the tokens points to the data set associated with the user orthe data pool for secure access by one or more parties controlling thetokens.
 2. The method of claim 1, further comprising: receiving theinstructions from the user specifying how the data set is utilized; andcompensating the user for sharing the tokens with one or more interestedparties.
 3. The method of claim 1, further comprising: requestingadditional data in response to determining the data set is incompleteutilizing questions, surveys, and a user profile associated with theuser.
 4. The method of claim 1, authenticating the data is associatedwith the user.
 5. The method of claim 1, wherein the tokens points tothe data set or data pool for secure access by the one or more partiesthat pay to access the data set or the data pool.
 6. The method of claim1, wherein the data is received in real-time based on the user using theplurality of sources.
 7. The method of claim 6, determining relevance ofthe data pool to one or more interested parties.
 8. The method of claim1, further comprising: receiving payments from one or more interestedparties to access the data set utilizing the token.
 9. The method ofclaim 8, further comprising: compensating one or more users for grantingaccess to the data set, wherein the data set is personal data associatedwith the user.
 10. A system for utilizing data, comprising: a pluralityof electronic devices executing a data application, the data applicationis configured to automatically capture the data associated with a user;and a data platform accessible by the plurality of electronic devicesexecuting the data application through one or more networks, wherein thedata platform automatically receives data associated with the user fromthe plurality of electronic devices, automatically confirms the data isapplicable to the user, adds the data to a data set associated with theuser, determines whether the data set is complete based on requirementsfor the data set after adding the data to the data set, and creates oneor more tokens based on the data set of the user, wherein the token is ablockchain token, wherein the data set includes at least two or more ofwebsite data, user profiles, and transactions associated with the user,wherein the token points to the data set associated with the user forsecure access by one or more parties controlling the token, wherein thedata platform clusters distinct data sets into a data pool,cross-populates the data pool with distinct data sets, and segments thedata pool to identify saturation, missing, incomplete, or nonrelevantdata.
 11. The system of claim 10, wherein the token is a block chaincrypto token, and wherein the token points to the data set for secureaccess by the one or more parties that pay to access the data set. 12.The system of claim 10, wherein the data is received in real-time basedon the user using the plurality of sources.
 13. The system of claim 12,wherein the data platform further determines relevance of the data poolto one or more interested parties, receives payments from the one ormore interested parties to access the data set, and compensates the userfor the data set, wherein the data set is personal data of the user. 14.The system of claim 10, wherein one or more of the plurality ofelectronic devices receive additional data to complete the data set inresponse to determining the data set is not complete.
 15. The system ofclaim 14, wherein the additional data is received in response to asurvey, question, or request made through the data application.
 16. Adata platform, comprising: a processor for executing a set ofinstructions; a memory for storing the set of instructions, wherein theinstructions are executed to: receive data associated with a userautomatically from one of a plurality of sources, automatically confirmthe data is applicable to the user, add the data to a data setassociated with the user, determine whether the data set is completeafter adding the data to the data set, wherein the data set is completedbased on requirements for the data set, and create one or more tokensbased on the data set of the user, wherein the data set is personal dataassociated with the user, wherein the token points to the data setassociated with the user for secure access by one or more partiescontrolling the token, wherein the data platform clusters distinct datasets into a data pool, cross-populates the data pool with distinct datasets, and segments the data pool to identify saturation, missing,incomplete, or nonrelevant data.
 17. The data platform of claim 16,wherein the token points to the data set for secure access by one ormore parties that pay to access the data set.
 18. The data platform ofclaim 16, wherein the data is received in real-time based on the userusing the plurality of sources.
 19. The data platform of claim 18,wherein the data platform further determines relevance of the data poolto one or more interested parties, receives payments from the one ormore interested parties to access the data set, and compensates the userfor the data set.
 20. The data platform of claim 16, wherein theinstructions are further executed to receive additional data to completethe data set in response to determining the data set is not complete.